How do I add funds to my Spruce account?

Last updated: July 23, 2026

There are many ways to add funds to your Spruce spending account. In addition to Direct Deposit, you can:

Connect other bank accounts and transfer money from them
Add funds via checks through our mobile check deposit tool*
Have your tax refund direct deposited to your Spruce spending account
Add cash from participating retailers near you**
Transfer from your Spruce Savings Account, and other ways!

*Available after you have deposited at least $200 in the past year and your accounts have been open for 30 days.

**Cash can be added to a Spruce Spending Account at participating retailers. Fees may apply. Any fee to add cash is an independent fee assessed by the individual retailer only and is not assessed by Spruce or Pathward®, N.A.

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